{"id":8977,"date":"2025-01-22T19:16:01","date_gmt":"2025-01-22T19:16:01","guid":{"rendered":"https:\/\/sentidoscreativos.com\/lega2\/?p=8977"},"modified":"2025-08-20T17:46:41","modified_gmt":"2025-08-20T17:46:41","slug":"consejos-para-elegir-un-credito-hipotecario","status":"publish","type":"post","link":"https:\/\/lega.mx\/en\/2025\/01\/22\/consejos-para-elegir-un-credito-hipotecario\/","title":{"rendered":"Cinco consejos para elegir bien un cr\u00e9dito hipotecario y hacerte de tu propia casa"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:50px;--awb-padding-left:50px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:16px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:16px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top:3%;\"><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:1.13;\"><div class=\"flex max-w-full flex-col flex-grow\">\n<div class=\"min-h-8 text-message flex w-full flex-col items-end gap-2 whitespace-normal break-words text-start &#091;.text-message+&amp;&#093;:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"4f02b69a-fd7f-43fb-8ee1-be294eafb21d\" data-message-model-slug=\"gpt-4o-mini\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-&#091;3px&#093;\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<p>Cinco pasos clave para elegir el cr\u00e9dito hipotecario perfecto y comprar tu casa ideal.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/h3><\/div><div class=\"fusion-text fusion-text-1\" style=\"--awb-content-alignment:justify;--awb-margin-top:2%;--awb-margin-right:2%;--awb-margin-left:2%;\"><p>El hacerte de tu propia casa es una meta que pareciera imposible, sin embargo, el cr\u00e9dito hipotecario es una buena opci\u00f3n si lo sabes elegir correctamente. Aqu\u00ed te presentamos lo que debes considerar antes de contratar uno.<\/p>\n<p>Para muchos, una casa es el bien patrimonial m\u00e1s importante para construir una familia y el cr\u00e9dito hipotecario es la mejor opci\u00f3n para empezar a construirlo sin la necesidad de desembolsar una cantidad importante de dinero.<\/p>\n<p>Este cr\u00e9dito es otorgado por diversas instituciones financieras y puede ser ocupado para comprar una casa, un departamento, un terreno; para ampliar, remodelar o adquirir cualquier bien inmueble a mediano o largo plazos.<\/p>\n<p>De acuerdo con la Encuesta de Cultura Financiera de los J\u00f3venes en M\u00e9xico, elaborada por Citibanamex y la Universidad Nacional Aut\u00f3noma de M\u00e9xico, 47 por ciento de los j\u00f3venes tiene como principal meta econ\u00f3mica a mediano plazo adquirir un hogar.<\/p>\n<p>Si entre tus planes est\u00e1 comprar un bien inmueble a trav\u00e9s de un cr\u00e9dito hipotecario, aqu\u00ed encontrar\u00e1s algunos consejos que debes tener en cuenta antes de solicitarlo.<\/p>\n<h4 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"34\" data-lineheight=\"47.6px\">Revisa tu presupuesto<\/h4>\n<p>En \u00e9l debes poner la cantidad que mes con mes destinar\u00e1s para el pago del cr\u00e9dito, def\u00ednelo de tal manera que no desequilibre tus finanzas, as\u00ed tambi\u00e9n podr\u00e1s cumplir tus objetivos. Considera que la capacidad de endeudamiento debe ser menor o hasta un 35 por ciento del ingreso personal o familiar, de esta manera la probabilidad de incurrir en situaciones de impago es menor.<\/p>\n<p>Recuerda que adem\u00e1s del cr\u00e9dito existen otros gastos como el aval\u00fao, enganche, costo de escrituraci\u00f3n y las comisiones, todos estos suman aproximadamente el 35 por ciento del valor de la vivienda que elijas, por lo que considera contar con un ahorro para cubrirlo.<\/p>\n<h4 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"34\" data-lineheight=\"47.6px\">Elige el cr\u00e9dito para tu estilo de vida<\/h4>\n<p>En M\u00e9xico existen diversas opciones que van desde instituciones privadas como los bancos, hasta instituciones gubernamentales como Infonavit y Fovissste, la principal diferencia entre estas dos opciones es que los primeros pueden otorgar un monto de cr\u00e9dito m\u00e1s elevado.<\/p>\n<h4 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"34\" data-lineheight=\"47.6px\">No te olvides de las letras chiquitas<\/h4>\n<p>Recuerda poner especial atenci\u00f3n en los t\u00e9rminos del contrato a firmar, en \u00e9l se se\u00f1alar\u00e1n todos los derechos y obligaciones a los que estar\u00e1s sujeto durante el tiempo que dure su contrataci\u00f3n como el importe del cr\u00e9dito, el plazo, la mensualidad, los intereses y las penalizaciones en caso de no cumplir con las mensualidades.<\/p>\n<h4 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"34\" data-lineheight=\"47.6px\">Revisa la tasa de inter\u00e9s que te ofrecen<\/h4>\n<p>Entre las m\u00e1s comunes se encuentran las fijas, cuya principal ventaja es que no cambian durante el periodo de vida del cr\u00e9dito; las variables, en las cuales la tasa de inter\u00e9s puede bajar o subir de acuerdo con la situaci\u00f3n econ\u00f3mica del pa\u00eds o la mixta que es una combinaci\u00f3n de las anteriores.<\/p>\n<h4 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"34\" data-lineheight=\"47.6px\">Compara<\/h4>\n<p>Un cr\u00e9dito hipotecario es un compromiso de pago a mediano o largo plazo, para determinar la mejor opci\u00f3n compara precios y costos entre las diversas instituciones con el fin de que tengas la certeza que est\u00e1s contratando la mejor opci\u00f3n de acuerdo con tus necesidades.<\/p>\n<p>Para solicitar un cr\u00e9dito hipotecario necesitas tener una identificaci\u00f3n oficial vigente, comprobante de domicilio actual, la Clave \u00danica de Registro de Poblaci\u00f3n (CURP) y comprobante de ingresos. As\u00ed mismo, es indispensable que cuentes con un buen historial crediticio, debido a que la instituci\u00f3n consultar\u00e1 tus antecedentes.<\/p>\n<p>Fuente: Fovissste<\/p>\n<\/div><div class=\"awb-gallery-wrapper awb-gallery-wrapper-1 button-span-no\" style=\"--more-btn-alignment:center;margin-top:3%;\"><div style=\"margin:-8px;--awb-aspect-ratio:4 \/ 3;--awb-bordersize:0px;\" class=\"fusion-gallery fusion-gallery-container fusion-grid-3 fusion-columns-total-8 fusion-gallery-layout-grid fusion-gallery-1 has-aspect-ratio\"><div style=\"padding:8px;\" class=\"fusion-grid-column fusion-gallery-column fusion-gallery-column-3 hover-type-zoomin\"><div class=\"fusion-gallery-image\"><a href=\"https:\/\/lega.mx\/wp-content\/uploads\/sites\/153\/2025\/01\/Azucena-nuevo0-200x200-1.jpeg\" rel=\"noreferrer\" data-rel=\"iLightbox[gallery_image_1]\" class=\"fusion-lightbox\" target=\"_self\"><img decoding=\"async\" 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\/><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":138,"featured_media":8985,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[192],"tags":[],"class_list":["post-8977","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>5 claves para elegir el Cr\u00e9dito Hipotecario Adecuado.<\/title>\n<meta name=\"description\" content=\"Conoce las claves para elegir un cr\u00e9dito hipotecario adecuado. 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